Apply for an Admiral Personal Loan today
A range of loans to suit your needs
Great reasons to choose an Admiral Personal Loan
Admiral Loans is a responsible lender who always aims to ensure the loan is suitable to customer needs and the borrowing process is straight forward.
You can repay your loan in full or in part at any stage of the loan's lifetime. There are no application fees.
Borrow £1,000 - £25,000
Between 12 and 60 months. Approval of loans is subject to credit checks, your personal circumstances and our affordability criteria.
Once your loan application has been approved, you'll receive a personally tailored APR, fixed for the duration of the loan.
What type of loan do you need?
If you’re looking to pay for a big purchase such as a house extension or new car but don’t have enough disposable income, an unsecured loan could be the best way for you to finance the payment.
You can use one of Admiral’s personal loans for a variety of reasons. Whether it’s for home improvements, debt consolidation or you’re planning your dream wedding. All of our loans are unsecured, meaning you don’t need to provide security in the form of assets - your home or car - if you miss a repayment.
You should also think about your:
Is your credit rating high enough to allow you to take out a loan? Also assess if you can afford the monthly repayments - falling behind could have a negative effect on your credit rating making it difficult for you to borrow in the future if you need to. However, if you are careful and pay the loan back in time this will have a positive impact on your credit rating.
If you are already in debt with credit cards or store cards, can you afford to add on further debt by taking out a loan? While you can use a debt consolidation loan to transfer all of your money into one loan, check your existing loans to see if there are any early repayment charges so you can factor them into your calculations
What type of loan can I get?
If you’re in the market for a new motor then a Car Loan could be for you. There are many different ways to borrow money for a car such as leasing or car finance. An Admiral Car Loan is unsecured and could help you spread the cost of your purchase.
Find out more about the Admiral Car Loan
If you owe a number of debts on different loans or credit cards, a Debt Consolidation Loan could help you bundle all of your outstanding debts into one manageable sum. Once you have the loan you can close the other loans or cards and use the debt consolidation loan to pay off the outstanding balance. Having just one repayment will be a lot easier to manage than multiple debts.
Find out more about the Admiral Debt Consolidation Loan
If you’re looking to carry out large renovation projects at your home such as a garage or attic conversion or you want a new fitted kitchen, a Home Improvement Loan can help you pay for the work. Many people are opting to add value to their home rather than face the expense of buying a new property.
Find out more about the Admiral Home Improvement Loan
Before you apply
Consider your borrowing options
Before making a decision make sure you consider all your borrowing options to ensure it's the right choice for you, and seek independent advice where necessary.
How to apply
Your questions answered
What is an unsecured personal loan?
It's a loan that does not require any form of security or collateral, you don't have to be a home owner to apply. You can borrow money without offering up the security of a major asset (for example your house). Instead, our decision is based on your income, affordability and credit history.
Is a loan right for me?
An unsecured loan can be a helpful option for anyone who wants to pay for a big purchase but perhaps doesn’t have savings or any extra cash to hand.
As with all borrowing, you should make sure you can afford the repayments before you take out a loan.
Who can apply?
To be eligible for a loan you must be a permanent resident of England, Wales or Scotland, have lived in the UK for at least 3 years, be aged between 18 and 75 and have a good credit history.
How much can I borrow?
You can borrow between £1,000 and £25,000 subject to credit checks, personal circumstances and the amount you want to borrow.
What are the maximum and minimum terms for the loan?
The minimum term is 12 months, the maximum is 60 months.
What can I use the loan for?
The money can be used for a variety of reasons. For example, the purchase of a new vehicle, holiday payments, house improvements, debt consolidation and a range of other purposes.
What is APR?
APR stands for Annual Percentage Rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you're offered may differ from the representative example displayed. This is because each loan application is assessed on an individual basis and on a number of factors, including the information you have provided in your application and data obtained from credit reference agencies.
What does (Representative) APR stand for?
The 'representative APR' (annual percentage rate) is the interest rate we charge to the majority of our customers who take out an agreement for a particular loan amount. We may offer a different APR based on your personal circumstances and the amount that you want to borrow.
How do I apply?
You can click on the 'Apply Now' button on the Admiral Loans homepage where you can fill in an application. Our UK based team will process your details then contact you by phone to complete the application. Alternatively you can call us directly using the phone number on the Admiral Loans home page.
Does Admiral Loans charge any fees?
Admiral Loans doesn't charge any application or early repayment fees. Default fees may apply.
Will I be accepted?
Acceptance depends on personal circumstances and each application is individually assessed. As a basis for qualification, you must be a permanent UK resident between the ages of 18 and 75 and have lived in the UK for at least 3 years with no history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy.
How quickly will I receive a decision on my application?
Your application will be processed by our team after a credit check has been completed. We will endeavour to process your application within 24 hours but this may increase during peak times and outside of our opening hours. Any applications submitted outside of our working hours will be processed the next working day.
Can I make an early repayment?
You will be allowed to repay the loan in full - or a fraction of it - at any stage of the lifetime of the loan. No fees will be applied for early repayments.
Will my application be recorded on my credit file?
Yes, when an application credit search is completed a record will be left on your credit file.
Can I extend my loan?
You would need to contact Admiral Loans' customer service team as each situation will be considered independently.
How do I change my details?
Just call Admiral Loans on 0333 234 6007 and our customer service team will be happy to update details for you.
How can I make a complaint?
If you encounter any problems and would like to make a complaint, you can contact the customer complaints team on 0333 234 6008 and they will resolve your problem as quickly as possible.
What happens if I miss a payment?
In the case of a missed payment you need to contact customer services. The circumstances of the missed payment would need to be discussed. Default fees may apply.
As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.
APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.
Admiral Loans are administered and arranged by EUI Limited. EUI Limited is registered in England and Wales at Tŷ Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 02686904). EUI Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 309378). These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register.
Please see our terms and conditions here.
When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.
If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, EUI Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.
Apply by phone
0333 234 6007
Mon - Fri 8am - 8pm
Sat 9am - 5pm
Please note we will be closed on Bank Holidays.
Already applied for a loan?
If you have already applied for an Admiral Loan in the last 14 days, there may be no need to reapply. Please call us on
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.
Mon - Fri 8am - 8pm
Sat 9am - 5pm